Holiday Home Safety Tips to Avoid Insurance Claims

The holiday season is a time for celebration, but it can also bring unique risks to your home. At SF Insurance and Financial Services, we want to help homeowners like you enjoy a safe and worry-free holiday by sharing practical tips to protect your property and reduce the chances of filing a homeowners insurance claim.

Secure Your Home Against Theft

With many families traveling or hosting gatherings, homes can become targets for theft. Do the following to keep your property safe:

• Lock all doors and windows, even when you’re home.
• Use timers for indoor and outdoor lights to give the appearance that someone is present.
• Avoid displaying gifts near windows where they’re visible from outside.
• If you’re traveling, ask a trusted neighbor to collect mail and keep an eye on your home.

Prevent Fire Hazards

Holiday decorations and increased cooking can raise the risk of fire. The following can help protect your home:

• Inspect holiday lights for frayed wires or broken bulbs before use.
• Keep candles away from flammable materials and never leave them unattended.
• Water live Christmas trees regularly to prevent them from drying out.
• Never leave cooking unattended, especially when using high heat or frying.

Protect Against Property Damage

Seasonal weather and festivities can lead to unexpected damage. Consider these steps:

• Clean gutters and downspouts to prevent water buildup and roof leaks.
• Secure outdoor decorations to avoid wind damage.
• Check smoke and carbon monoxide detectors to ensure they’re working properly.
• Place mats at entryways to reduce slips and falls from wet or muddy shoes.

Review Your Insurance Coverage

The holidays are a good time to review your homeowners insurance policy. Make sure your coverage reflects any recent home improvements or valuable gifts you may have received. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.